Question 1

What is a Fraud Score in credit card verification?

Accepted Answer

Fraud Score, or Fraud Risk Assessment, when checking a bank card, is a numerical indicator that assesses the likelihood that a transaction using this card may be fraudulent.

This indicator is calculated based on the analysis of various data, including transaction history, geolocation, and other related parameters.

If the Fraud Score is above 75 points, the account may be automatically blocked when trying to make a payment and arrange delivery.

Question 2

How do services react to the presence of a bank card in the blacklists of anti-fraud systems?

Accepted Answer

If a bank card is found in blacklists, this may lead to immediate transaction blocking, request for additional verification, or denial of the transaction.

Services use this information to prevent fraud and protect both their own funds and the funds of their clients.

Question 3

What affects the fraud rating when checking a card?

Accepted Answer

On the fraud rating, many factors can influence, including the country of card issuance, unusual purchase patterns, transaction frequency, matching delivery address with card owner's address, history of previous fraudulent activities, as well as the use of VPN or Proxy when making a purchase.

Question 4

What types of bank cards exist?

Accepted Answer

Web services classify bank cards into several categories based on their functionality and intended use:

1. Debit cards: transactions with debit cards immediately deduct funds from the current account balance. Web services often consider them the least risky for operations, as they do not allow the user to spend more than is in the account.
2. Credit cards: they often include fraud protection and insurance features, making them a preferred choice for many online purchases, but they can also be associated with high fraud risk.
3. Prepaid cards: such cards are often used to control expenses or as gift cards. They can be private, which increases the risk of their use in fraudulent schemes.
4. Virtual cards: Virtual cards have no physical equivalent and are intended solely for online transactions. Online services often consider such cards to be risky.

Question 5

How does the delivery address impact the Fraud Score evaluation?

Accepted Answer

The delivery address can significantly affect the Fraud Score, especially if it does not match the address registered for the bank card.

Mismatched addresses may be a sign of fraudulent activity, especially if goods are being shipped to a region with a high level of fraudulent activities.

Anti-fraud systems also store the history of addresses associated with the card.

Question 6

What is an AVS response code?

Accepted Answer

AVS (Address Verification System) response code is a response code of the system that indicates how accurately the address provided during a transaction matches the address associated with a US bank card.

This code helps assess the risk of fraud and can be used to confirm the legitimacy of the operation.

Full list of meanings: https://en.wikipedia.org/wiki/Address_verification_service

Question 7

How do browser fingerprints affect the end result?

Accepted Answer

Browser fingerprints can provide information about the user's device and software, helping to determine if the activity is suspicious.

1. User Agent: helps determine whether the device and software used to make the transaction match the typical user behavior or previous transactions. For example, if a transaction is made from a device or browser that has not been previously used by the cardholder, this may raise the Fraud Score level.
2. User Language: a discrepancy between the user's language and the country where the card is issued or the country where the purchase is made may increase the likelihood of the transaction being fraudulent.
3. User IP Address: analysis can determine whether the user is using a VPN or Proxy to hide their true location, which is often associated with fraudulent activities. It is also important to compare the IP address with the location associated with the bank card, the delivery address of goods, and presence in blacklists.

Question 8

Do you save the data entered for verification?

Accepted Answer

All the data used for verification is stored on our server so you can share a link to the report.

1. The report is not indexed and cannot be detected by search bots.
2. You can delete the report by going to the 'History' section. Please note that it will not be possible to restore the report.

Question 9

What is the difference between 'Address 1' and 'Address 2'?

Accepted Answer

The difference between these fields lies in the detailing of the address:

Address 1: This is the main address field, which usually includes the street, house number, and, if necessary, the apartment or office number. These are the essential details required to identify the place of residence or delivery.

Example: 123 Main St., Apt. 456

Address 2: This is an additional field that can be used to provide additional information that helps clarify the location in complex or large buildings. Here you can specify data such as the building name, floor, entrance number, or other specific instructions that facilitate the delivery process.

Example: Building B, 5th Floor

Question 10

Am I breaking the law by making a request in the anti-fraud system?

Accepted Answer

We pay over $12,000 monthly for the use of anti-fraud systems.

By conducting checks on our platform, you are performing the same action as companies like Google, Amazon, Microsoft, and other global leaders.

All checks are carried out within the framework of legal procedures and in compliance with privacy and data protection policies.

Bank card check

Example report

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